One of the simplest ways to increase your score is to have a deposit at the bank where you want to take a loan. Also if you are married, a bank can also analyze information about your spouse.  It can change your result completely. If you own a flat or a car, it will be a plus to your credit score.
A bank very often advised to use credit products more often. The thing is: if you use, for example, credit cards very often and make all payments in time, it means you are a responsible client.  So such kind of behavior can increase your credit score.
Every single banking credit product demands own evaluating system. A bank has to check more information and pay attention to more details about a client giving an auto loan than giving a credit card.
Also, a bank can make an exception for clients who had no serious problems with loans in the past. For example, if you didn’t pay because there were some problems at the bank.
A huge role plays your age. If you are young, a bank will sooner give you a low score. If you are too old, it causes additional risks and score is also low.
Your relevant loans also influent on your credit score. If you have too many financial obligations, a bank can refuse you.
It is possible that a client has several credit cards but don’t use any of them. A bank also pays attention to it because you can start using it at any moment. So far better to close all credit cards that you not use.
To have a secure credit score you always have to pay in time. Also, you need to have a good source of income to pay a loan back. If one bank refuses you, you can always find another bank with a more loyal evaluation system. Nowadays it is extremely simple. You can even take a loan online. Also, one more useful advice is to pay attention to a credit rate. There is a kind of a rule - the more loyal evaluating system a bank has, the more expensive credits he offers.
    
It is really important to have a secure credit score to be able to afford more. Frankly speaking, it isn’t hard to have a secure credit score because banks are really loyal to customers today.